Good gear saved my life. My helmet was ruined. My gloves were worn through. My leather jacket could not be unzipped, as the zipper had welded together. My boots were ground away, you could see my sox. My body: 2 fractured ribs, dislocated shoulder only. It took three months to heal--and I was going only 25 mph!
I "gear up" every time I ride. I hope you do too. But it is your choice. Just don't expect empathy if you do not gear up, and then you crash. Nobody can predict when some drunken a-hole violates right of way and you slam into him. Nobody can plan on NOT crashing. You can only prepare and attempt to prevent the worst outcomes.
No matter how you argue it, on a two wheeler, a trike, or a Spyder, a wreck is going to hurt you a lot more than it would if you were in a cage. I saw a kid once who had a fractured femur. He said "it wasn't my fault. The other guy violated my right of way." I asked the kid if the other guy was injured. The kid said, "No."
If you don't prepare, if you don't train, if you don't use protective equipment, then one day your youthful arrogance will cause you pain. When that happens, do not turn to me for empathy, or expect me to pay your medical bills--through insurance premiums or taxes.
in short, enjoy the sport of riding, but for the love of God, and your family, gear up, get professionally trained, and don't ever EVER have a drink (even one) within 12 hours before you ride--EVER.